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Panin Financial

DB:OHH
Snowflake Description

Flawless balance sheet and undervalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
OHH
DB
IDR11,784B
Market Cap
  1. Home
  2. DE
  3. Insurance
Company description

PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia. The last earnings update was 76 days ago. More info.


Add to Portfolio Compare Print
  • Panin Financial has significant price volatility in the past 3 months.
OHH Share Price and Events
7 Day Returns
9.4%
DB:OHH
-1%
DE Insurance
-1.8%
DE Market
1 Year Returns
118.8%
DB:OHH
20.6%
DE Insurance
-6.7%
DE Market
OHH Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Panin Financial (OHH) 9.4% 3.6% -2.8% 118.8% 75% 59.1%
DE Insurance -1% 3.2% 4% 20.6% 60.3% 60.2%
DE Market -1.8% 1.6% -1.6% -6.7% 10.1% 11%
1 Year Return vs Industry and Market
  • OHH outperformed the Insurance industry which returned 20.6% over the past year.
  • OHH outperformed the Market in Germany which returned -6.7% over the past year.
Price Volatility
OHH
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Panin Financial's competitors could be found in our database.

OHH Value

 Is Panin Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Panin Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Panin Financial.

DB:OHH Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= IDR616.80 * 7.5%
IDR46.13
Book Value of Equity per Share Median Book Value from the past 5 years. IDR616.80
Discount Rate (Cost of Equity) See below 5%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:OHH
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6%
Insurance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.686 (1 + (1- 25%) (0%))
0.789
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.23% + (0.8 * 5.96%)
5%

Discounted Cash Flow Calculation for DB:OHH using Excess Returns Model Model

The calculations below outline how an intrinsic value for Panin Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:OHH Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (7.5% – 5%) * IDR616.80)
IDR15.32
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= IDR15.32 / (5% - 0.23%)
IDR321.21
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= IDR616.80 + IDR321.21
IDR938
DB:OHH Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:OHH represents 5.0E-5x of IDX:PNLF
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
5.0E-5x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (IDR) x Listing Adjustment Factor
= IDR 938.00 x 5.0E-5
€0.04
Value per share (EUR) From above. €0.04
Current discount Discount to share price of €0.02
= -1 x (€0.02 - €0.04) / €0.04
60.8%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Panin Financial is available for.
Intrinsic value
>50%
Share price is €0.0175 vs Future cash flow value of €0.04461
Current Discount Checks
For Panin Financial to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Panin Financial's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Panin Financial's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Panin Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Panin Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:OHH PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in IDR IDR59.48
IDX:PNLF Share Price ** IDX (2019-07-15) in IDR IDR368
Germany Insurance Industry PE Ratio Median Figure of 6 Publicly-Listed Insurance Companies 13.39x
Germany Market PE Ratio Median Figure of 419 Publicly-Listed Companies 20.05x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Panin Financial.

DB:OHH PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= IDX:PNLF Share Price ÷ EPS (both in IDR)

= 368 ÷ 59.48

6.19x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Panin Financial is good value based on earnings compared to the DE Insurance industry average.
  • Panin Financial is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Panin Financial's expected growth come at a high price?
Raw Data
DB:OHH PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 6.19x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
7.4%per year
Germany Insurance Industry PEG Ratio Median Figure of 5 Publicly-Listed Insurance Companies 3.1x
Germany Market PEG Ratio Median Figure of 270 Publicly-Listed Companies 1.47x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Panin Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Panin Financial's assets?
Raw Data
DB:OHH PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in IDR IDR696.69
IDX:PNLF Share Price * IDX (2019-07-15) in IDR IDR368
Germany Insurance Industry PB Ratio Median Figure of 6 Publicly-Listed Insurance Companies 1.07x
Germany Market PB Ratio Median Figure of 565 Publicly-Listed Companies 1.74x
DB:OHH PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= IDX:PNLF Share Price ÷ Book Value per Share (both in IDR)

= 368 ÷ 696.69

0.53x

* Primary Listing of Panin Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Panin Financial is good value based on assets compared to the DE Insurance industry average.
X
Value checks
We assess Panin Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check)
  5. Panin Financial has a total score of 5/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

OHH Future Performance

 How is Panin Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Panin Financial, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
7.4%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Panin Financial expected to grow at an attractive rate?
  • Panin Financial's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Panin Financial's earnings growth is positive but not above the Germany market average.
  • Unable to compare Panin Financial's revenue growth to the Germany market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
DB:OHH Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:OHH Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 7.4%
Germany Insurance Industry Earnings Growth Rate Market Cap Weighted Average 4.7%
Germany Insurance Industry Revenue Growth Rate Market Cap Weighted Average 5%
Germany Market Earnings Growth Rate Market Cap Weighted Average 12.1%
Germany Market Revenue Growth Rate Market Cap Weighted Average 5.1%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:OHH Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in IDR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:OHH Future Estimates Data
Date (Data in IDR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
DB:OHH Past Financials Data
Date (Data in IDR Millions) Revenue Cash Flow Net Income *
2019-03-31 5,116,667 66,214 1,904,722
2018-12-31 4,381,884 40,593 1,829,402
2018-09-30 3,867,485 -661,994 1,470,589
2018-06-30 4,616,859 -442,529 1,409,926
2018-03-31 4,931,230 -184,793 1,435,931
2017-12-31 5,101,277 -435,678 1,457,567
2017-09-30 5,073,875 556,231 1,742,830
2017-06-30 4,420,189 179,299 1,719,974
2017-03-31 4,361,918 -76,331 1,627,360
2016-12-31 4,497,877 -198,690 1,536,075
2016-09-30 4,154,257 -707,128 1,229,901
2016-06-30 3,850,921 -526,346 937,286

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Panin Financial's earnings are expected to grow by 7.4% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Panin Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:OHH Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Panin Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:OHH Future Estimates Data
Date (Data in IDR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
DB:OHH Past Financials Data
Date (Data in IDR Millions) EPS *
2019-03-31 59.48
2018-12-31 57.13
2018-09-30 45.92
2018-06-30 44.03
2018-03-31 44.84
2017-12-31 45.52
2017-09-30 54.43
2017-06-30 53.71
2017-03-31 50.82
2016-12-31 47.97
2016-09-30 38.41
2016-06-30 29.27

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Panin Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Panin Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Germany market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Germany market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Panin Financial has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

OHH Past Performance

  How has Panin Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Panin Financial's growth in the last year to its industry (Insurance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Panin Financial's year on year earnings growth rate has been positive over the past 5 years.
  • Panin Financial's 1-year earnings growth exceeds its 5-year average (32.6% vs 9.1%)
  • Panin Financial's earnings growth has exceeded the DE Insurance industry average in the past year (32.6% vs 9.4%).
Earnings and Revenue History
Panin Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Panin Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:OHH Past Revenue, Cash Flow and Net Income Data
Date (Data in IDR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 5,116,667.00 1,904,722.00 309,794.00
2018-12-31 4,381,884.00 1,829,402.00 290,208.00
2018-09-30 3,867,485.00 1,470,589.00 260,141.00
2018-06-30 4,616,859.00 1,409,926.00 303,705.00
2018-03-31 4,931,230.00 1,435,931.00 298,903.00
2017-12-31 5,101,277.00 1,457,567.00 284,900.00
2017-09-30 5,073,875.00 1,742,830.00 331,440.00
2017-06-30 4,420,189.00 1,719,974.00 305,566.00
2017-03-31 4,361,918.00 1,627,360.00 302,306.00
2016-12-31 4,497,877.00 1,536,075.00 299,041.00
2016-09-30 4,154,257.00 1,229,901.00 270,770.00
2016-06-30 3,850,921.00 937,286.00 266,521.00
2016-03-31 4,487,262.00 895,582.00 255,485.00
2015-12-31 4,343,194.00 905,401.00 249,285.00
2015-09-30 5,159,175.00 925,025.00 229,432.00
2015-06-30 5,122,488.00 1,163,283.00 220,348.00
2015-03-31 4,414,255.00 1,294,233.00 231,286.00
2014-12-31 4,585,601.00 1,301,179.00 187,399.00
2014-09-30 3,374,018.00 1,341,723.00 196,564.00
2014-06-30 3,528,861.00 1,298,176.00 186,092.00
2014-03-31 3,346,600.00 1,195,126.00 158,100.00
2013-12-31 3,501,567.00 1,171,119.00 164,152.00
2013-09-30 3,553,329.00 1,176,541.00 149,986.00
2013-06-30 3,318,153.00 1,124,813.00 135,016.00
2013-03-31 2,934,393.00 1,135,027.00 126,945.00
2012-12-31 2,498,092.00 1,111,486.00 110,069.00
2012-09-30 2,749,983.00 1,059,054.00 103,589.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Panin Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Panin Financial used its assets more efficiently than the DE Insurance industry average last year based on Return on Assets.
  • Panin Financial's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Panin Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Panin Financial has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

OHH Health

 How is Panin Financial's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Panin Financial's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Panin Financial is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Panin Financial's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Panin Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Panin Financial has no debt, it does not need to be covered by short term assets.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Panin Financial Company Filings, last reported 3 months ago.

DB:OHH Past Debt and Equity Data
Date (Data in IDR Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 24,336,587.00 0.00 7,557,393.00
2018-12-31 23,770,583.00 0.00 7,336,633.00
2018-09-30 23,130,072.00 0.00 6,742,022.00
2018-06-30 22,525,690.00 0.00 6,958,951.00
2018-03-31 22,328,001.00 0.00 6,696,349.00
2017-12-31 21,962,933.00 0.00 6,893,868.00
2017-09-30 21,726,997.00 0.00 7,388,314.00
2017-06-30 21,255,916.00 0.00 7,607,118.00
2017-03-31 20,879,871.00 0.00 7,049,316.00
2016-12-31 20,378,069.00 0.00 7,203,333.00
2016-09-30 19,843,473.00 0.00 6,165,956.00
2016-06-30 16,496,064.00 0.00 6,615,842.00
2016-03-31 16,125,380.00 0.00 6,837,767.00
2015-12-31 15,640,436.00 0.00 7,312,802.00
2015-09-30 18,187,808.00 0.00 6,649,152.00
2015-06-30 15,387,892.00 0.00 7,102,518.00
2015-03-31 15,068,682.00 0.00 7,133,414.00
2014-12-31 14,633,522.00 0.00 8,547,262.00
2014-09-30 14,082,446.00 0.00 7,421,105.00
2014-06-30 13,665,007.00 0.00 7,499,140.00
2014-03-31 13,197,469.00 0.00 5,917,203.00
2013-12-31 12,770,443.00 0.00 5,576,429.00
2013-09-30 12,487,327.00 0.00 3,630,129.00
2013-06-30 8,909,571.00 0.00 3,799,486.00
2013-03-31 8,637,881.00 0.00 3,361,748.00
2012-12-31 8,297,851.00 0.00 2,823,336.00
2012-09-30 8,055,282.00 0.00 3,684,382.00
  • Panin Financial has no debt.
  • Panin Financial has not taken on any debt in the past 5 years.
  • Panin Financial has no debt, it does not need to be covered by operating cash flow.
  • Panin Financial has no debt, therefore coverage of interest payments is not a concern.
X
Financial health checks
We assess Panin Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Panin Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

OHH Dividends

 What is Panin Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Panin Financial dividends.
If you bought €2,000 of Panin Financial shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Panin Financial's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Panin Financial's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:OHH Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Germany Insurance Industry Average Dividend Yield Market Cap Weighted Average of 6 Stocks 4.1%
Germany Market Average Dividend Yield Market Cap Weighted Average of 325 Stocks 3.1%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.5%
Germany Top 25% Dividend Yield 75th Percentile 3.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:OHH Future Dividends Estimate Data
Date (Data in IDR) Dividend per Share (annual) Avg. No. Analysts

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Panin Financial has not reported any payouts.
  • Unable to verify if Panin Financial's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Panin Financial's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Panin Financial has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Panin Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Panin Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Panin Financial has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

OHH Management

 What is the CEO of Panin Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Lianna Limanto
AGE 64
TENURE AS CEO 4.5 years
CEO Bio

Ms. Lianna Loren Limanto has been the President Director at PT Panin Financial Tbk (formerly, Panin Life PT Tbk) since 2015. Ms. Limanto is handling the management of PT Panin Financial Tbk including the areas of investment and business strategy. She began her career as an Cost Accountant at PT Great River Garment Industries. She has experience at several companies, such as Fairchild Semiconductor from 1983 to 1985, PT SC Johnson & Son from 1985 to 1987, Chubb Australia Pty Ltd from 1988 to 1989, GEC Plessey Telecommunications Australia from 1989 to 1992, PT Industrial Gases Indonesia from 1992 to 1997, Business Control and Compliance Director and F inance Director of PT Bentoel Prima Group from 1998 to 2005, PT Natrindo Telepon Selular (AXIS) from 2005 to 2008. She served as Head of Internal Audit PT Sinarmas Land Tbk in 2011. Ms. Limanto has been Commissioner of PT Bank Pan Indonesia Tbk since September 1, 2014. She graduated with Bachelor of Accounting from Universitas Trisakti in 1980 and Postgraduate degree majoring in Commerce from University of New South Wales, Sydney, in 1983.

CEO Compensation
  • Insufficient data for Lianna to compare compensation growth.
  • Insufficient data for Lianna to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team

Lianna Limanto

TITLE
President Director
AGE
64
TENURE
4.5 yrs

Marwan Noor

TITLE
Corporate Secretary & Director
AGE
69
TENURE
0.9 yrs
Board of Directors Tenure

Average tenure and age of the Panin Financial board of directors in years:

9.5
Average Tenure
61.5
Average Age
  • The tenure for the Panin Financial board of directors is about average.
Board of Directors

Lianna Limanto

TITLE
President Director
AGE
64
TENURE
4.5 yrs

Bhindawati Gunawan

TITLE
Vice-President Director
AGE
58
TENURE
9.5 yrs

Marwan Noor

TITLE
Corporate Secretary & Director
AGE
69
TENURE
9.5 yrs

Mu'min Gunawan

TITLE
President Commissioner
AGE
80
TENURE
17.5 yrs

Veronika Lindawati

TITLE
Independent Commissioner
AGE
53
TENURE
2.5 yrs

Suwirjo Josowidjojo

TITLE
Vice President Commissioner
AGE
59
TENURE
16.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Panin Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Panin Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

OHH News

Simply Wall St News

OHH Company Info

Description

PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia. The company also offers information technology and management information system services. In addition, it provides life insurance products, including death, whole life, annuity, endowment, endowment combine, universal life, unit-linked, personal accident, and health; term insurance products; and mutual funds. The company was formerly known as PT Panin Life Tbk and changed its name to PT Panin Financial Tbk in January 2010. PT Panin Financial Tbk was founded in 1974 and is headquartered in Jakarta, Indonesia. PT Panin Financial Tbk is a subsidiary of PT Paninvest Tbk.

Details
Name: PT Panin Financial Tbk
OHH
Exchange: DB
Founded: 1974
IDR746,423,020
32,022,073,293
Website: http://www.paninfinancial.co.id
Address: PT Panin Financial Tbk
Panin Life Center,
7th Floor,
Jakarta,
11420,
Indonesia
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
IDX PNLF Ordinary Shares Indonesia Stock Exchange ID IDR 13. Jan 1992
DB OHH Ordinary Shares Deutsche Boerse AG DE EUR 13. Jan 1992
Number of employees
Current staff
Staff numbers
345
Panin Financial employees.
Industry
Life and Health Insurance
Insurance
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/15 21:02
End of day share price update: 2019/07/15 00:00
Last estimates confirmation: 2018/03/23
Last earnings filing: 2019/04/30
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.